{"id":5893,"date":"2022-03-15T14:11:49","date_gmt":"2022-03-15T10:11:49","guid":{"rendered":"http:\/\/gccexchange.com\/blog\/?p=5893"},"modified":"2023-05-22T15:05:26","modified_gmt":"2023-05-22T11:05:26","slug":"can-i-charge-a-bankruptcy-attorneys-fees-on-my-credit-card","status":"publish","type":"post","link":"https:\/\/gccexchange.com\/blog\/can-i-charge-a-bankruptcy-attorneys-fees-on-my-credit-card\/","title":{"rendered":"Can I Charge a Bankruptcy Attorney’s Fees on My Credit Card?"},"content":{"rendered":"\n

If you\u2019ve recently been getting calls from debt collectors, or mail from addresses like PO Box 4115 Concord CA<\/a>, it may be time to start exploring your debt relief options. If you\u2019re considering bankruptcy, but aren\u2019t sure if it\u2019s best for your situation, consider taking a \u201cWhen To File Bankruptcy Quiz<\/a>\u201d to see what your options are. If you think bankruptcy is a good option for you, then there are some things you should know moving forward. One of the most important things is your need for a bankruptcy attorney. Even though there are no laws requiring you to have an attorney representing you while filing for bankruptcy, it’s probably a good idea to have someone representing you. <\/p>\n\n\n\n

A bankruptcy attorney can offer the clarity\nyou need to decide whether filing bankruptcy is the best option for you.\nUnfortunately, when filing bankruptcy, most people shy from contracting the\nservices of a bankruptcy attorney due to concern overpaying attorney fees. This\nfear has kept many from getting debt relief to overcome debt. So, before\nassuming you cannot meet the expenses of filing bankruptcy, here is everything\nyou should know.<\/p>\n\n\n\n

\"Can<\/figure>\n\n\n\n

Can A Bankruptcy Attorney\nAccept Payment Through a Credit Card?<\/strong><\/h2>\n\n\n\n

Most bankruptcy attorneys accept payments in\ncash, cheques, and debit cards. They barely accept credit card payments to\navoid helping you commit fraud.<\/p>\n\n\n\n

When you are bankrupt, you are aware of\nyour inability to repay any debt you take. Therefore, if you are bankrupt and\nuse your credit card to pay attorney fees, it will be considered fraud. Before\ntaking a credit card, there is an application form the credit company requires\nyou to sign. <\/p>\n\n\n\n

The agreement on the form indicates you should promise and commit to repaying all the amounts you charge on your credit card. Thus, charging expenses on the card you know you cannot repay violates this agreement. It is considered fraud, and you might get prosecuted for it. If found liable, you might pay a fine or do jail time. You can read more about it in this article<\/a>. <\/p>\n\n\n\n

Another reason attorneys refrain from\ntaking credit card payments is because credit card debts are considered\nunsecured debts. Therefore, it is a dischargeable debt, and the creditor cannot\ntake any measure to collect discharged debts if pardoned by the court. <\/p>\n\n\n\n

Keep in mind that the costs of bankruptcy can vary from state to state. So if you are filing for bankruptcy in New York<\/a>, the cost will be different than if you filed for bankruptcy in Kentucky<\/a>. Knowing the cost of bankruptcy in your state can help you better plan for how to pay for the expenses.<\/p>\n\n\n\n

Is It Allowed to Take a Cash\nAdvance on a Credit Card to Settle Bankruptcy Attorney Fees?<\/strong><\/h2>\n\n\n\n

If you cannot directly charge your bankruptcy\nattorney’s fee from your credit card, then you can take a cash advance on your\ncredit card to settle the fees, right?<\/p>\n\n\n\n

Wrong.<\/p>\n\n\n\n

As tempting as it may be to load up your\ncredit card before filing for bankruptcy, it is a decision you might live to\nregret. In most cases, the cash advances or debt purchases made right before\nfiling for bankruptcy relief are not discharged. <\/p>\n\n\n\n

Your creditor is constantly monitoring the\ncredit purchases within 90 days of filing bankruptcy. Therefore, there is no\nassurance that these debts will be discharged. <\/p>\n\n\n\n

So, buying luxury items worth $725 or\nmore within 90 days of filing bankruptcy or taking cash advances exceeding\n$1,000 within 70 days of filing bankruptcy may be fraudulent. Thus, taking a\ncash advance may not be a wise decision. <\/p>\n\n\n\n

How Much Does It Cost to Hire\na Bankruptcy Attorney?<\/strong><\/h2>\n\n\n\n

Before filing for bankruptcy, it is essential\nto understand the costs involved, including the cost of hiring an attorney.\nBesides, bankruptcy comes when you have little to no money left to meet your\nobligations. So, you need to know how much attorney fees to expect.<\/p>\n\n\n\n

The cost of hiring an attorney will vary with\nseveral factors like:<\/p>\n\n\n\n